Chief Financial Officer
760.804.6900 ext.119

As Chief Financial Officer, Mr. Carter is responsible for project and corporate level debt and equity capital; oversees accounting, treasury, human resources and technology; and coordinates audit and risk management activities.

Prior to joining Capstone Advisors in 2005, Mr. Carter served as Executive Vice President and Chief Credit Officer of Legacy Bank where he was responsible for all lending activity and also participated in the institution’s successful capitalization and ultimate merger with another community bank.

In his banking career, Mr. Carter also served as Chief Credit Officer of First National Bank in San Diego, Fidelity Federal Bank, and HomeFed Bank. In those positions, Mr. Carter managed substantial loan and real estate portfolios of $500 million to over $10 billion, line lending units and credit administration departments. Mr. Carter has also been a Director of KPMG Consulting (now Bearing Point) in the financial services-risk solutions practice working with large and medium size financial institutions in the U.S. and Mexico.

Mr. Carter holds a Juris Doctor from the University of San Diego School of Law, a Masters of Business Administration from Amos Tuck School of Business at Dartmouth College and a Bachelor of Arts degree from Brown University. He is a member of the California State Bar.

Mr. Carter is a board member of Community HousingWorks, a non-profit that provides affordable housing and other community support programs to San Diego neighborhoods.